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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $68,773 | $89,370-23.0% | $141,197-51.3% | $72,976-5.8% |
| Participation rate | 84.4% | 75.1%+9.2pp | 82.5%+1.9pp | 69.5%+14.9pp |
| Annual return | 28.59% | 111.88%-83.3pp | 71.41%-42.8pp | 81.02%-52.4pp |
| Employer contribution / active EE | $1,160 | $3,115-62.8% | $4,736-75.5% | $2,440-52.5% |
| Participant deferral / active EE | $5,154 | $5,419-4.9% | $6,710-23.2% | $3,608+42.9% |
| Admin fee / account holder | $952 | $5,957-84.0% | $10,265-90.7% | $5,124-81.4% |